Carpentry - Dwellings 3 Stories or Less
North Carolina Workers' Compensation Class Code 5651 • NCRB • Effective 2026-04-01
Current Rate
$3.80
per $100 of payroll
NCRB 2026-04-01
What is Class Code 5651?
Class code 5651 covers carpentry work on dwellings of three stories or less, including apartment buildings, condominiums, and townhouses. This code applies to multi-family residential construction, which is common in Florida's urban and suburban areas. Work involves framing, rough carpentry, and general carpentry on multi-family residential structures.
Who is Covered Under This Code?
Carpenters and framers working on multi-family residential buildings of three stories or less.
Tips to Reduce Your Premium
- Fall protection is required for work at heights on multi-family structures
- Nail gun safety training reduces puncture wound claims
- Separate finish carpentry under code 5437
Rate Comparison by State
| State | Description | Rate / $100 | |
|---|---|---|---|
| NC | Carpentry - Dwellings 3 Stories or Less | $3.80 | Current |
| FL | Carpentry - Dwellings 3 Stories or Less | $4.89 | View |
| MI | Carpentry - Dwellings 3 Stories or Less | $4.50 | View |
| IL | Carpentry - Dwellings 3 Stories or Less | $4.20 | View |
| TX | Carpentry - Dwellings 3 Stories or Less | $3.90 | View |
| SC | Carpentry - Dwellings 3 Stories or Less | $4.30 | View |
Frequently Asked Questions
What is workers comp class code 5651?
Class code 5651 covers carpentry work on dwellings of three stories or less, including apartment buildings, condominiums, and townhouses. This code applies to multi-family residential construction, which is common in Florida's urban and suburban areas. Work involves framing, rough carpentry, and general carpentry on multi-family residential structures.
What is the workers comp rate for class code 5651 in North Carolina?
The current workers' compensation rate for class code 5651 in North Carolina is $3.80 per $100 of payroll, as set by NCRB effective 2026-04-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 5651?
Carpenters and framers working on multi-family residential buildings of three stories or less.
How can I reduce my workers comp premium for class code 5651 in North Carolina?
Fall protection is required for work at heights on multi-family structures Nail gun safety training reduces puncture wound claims Separate finish carpentry under code 5437
Do I need workers comp insurance for employees classified under code 5651 in North Carolina?
Yes. North Carolina requires most employers to carry workers' compensation insurance for their employees. Class code 5651 employees must be covered. Penalties for non-compliance in North Carolina can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 228-8029 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 5651 in NC.
Quick Facts
- Class Code
- 5651
- State
- North Carolina
- Rate per $100
- $3.80
- Rating Org
- NCRB
- Effective
- 2026-04-01
Related Class Codes
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